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Parents and students looking for pay for college face an incredibly challenge. Tight credit, rising tuition costs, investing losses on college savings... Today, Ken and Daria help a WalletPop reader find the best ways to pay for college, and offer up a stiff warning to all parents and students alike about going deep into debt to pay for college.

Dear Ken and Daria,

I have one child in college and another starting in the fall. I am unemployed and have to find need-based and deferred college loans. Any pointers?

-- Francine

To learn more about the best ways to pay for college, visit Dolans.com.